Error or Warning when uploading a payment file

You (or someone else in your contract) uploaded the same file in the past 7 days, within the same ebanking contract.

You can still accept this message, but there is a risk that you upload the same file twice.

Note: The previously uploaded file may be in the list of Transactions (if not sent) or Sent transactions (if sent). You may also get this message if you (or a colleague) deleted the file.

The execution date in your file is in the past.

You can still accept this message, but the file might still be rejected by the bank.

To be sure your payment will be executed by the bank it's recommended that the execution date is today or set in the future. In case you ignore this warning the bank might reject your banking file (this is bank specific).

Note: This warning only applies to pain.001.001.02 and SEPA Direct Debit

The BIC of one of your counterparties is not known. Isabel uses a list of all known Swift connected banks and verifies these with the BIC's used in your file. In case a BIC is not known, it does not mean that the BIC is incorrect. Verify if a BIC is known at Swift. Isabel updates it's known BIC's once a month.

Note: If you use a valid BIC but it is not from this account, you will also receive this notification.

Here you can look up which BIC code your account needs.

The country code of your counterparty BIC is not the same as the country code of the account number. Make sure you are using the correct BIC for your counterparty.

If you don't change the country code and accept the conditions anyway, note that the transaction could still be rejected by the bank.

Any Sepa Direct Debit requires the debtor address when debtor or creditor account is located in a non-EEA SEPA country. Check for <Dbtr> <PstlAdr>, the info contained under this second tag needs to be filled in correctly: street and number need to be present on the first line, postal code and city on the second line. 

If the tags are not provided, only a warning will be displayed. You are able to ignore this but the bank can still refuse your file. It is highly recommended to provide this data, more specific information can be found in the relevant "Supported banking file formats and their corresponding specifications".

• If you are aware that you are uploading a file that is not a known file type and your bank will accept this file, you will need to select your contract bank and a subtype or subtype parameter (you can choose a subtype for your file, but the file might still be rejected by the bank).
• In case your file is a known file type and you get these options, your file is badly structured since the detection of the file type failed. Contact your ERP or accounting software supplier to verify if the file is valid.